Furthermore I allow myself no judgment.
We all can come even in difficult situations.
But: When it comes to other people's money , then we must have the courage and talk with these people and explain these problems.
No one will rip your head off in this case, I think.
(ok, the few cholerics are the exception) ;-)
Unfortunately, there are also plenty of black sheeps who want to come on your money.
This talk just hot air and if they have your money, you will never hear again some of those.
They dissolve into what they have promised you. HOT AIR.
And now distinguish even know who belongs to which group.

As I said: Furthermore I allow myself no judgment.